(1) eBay has an insurance program that has a $25 deductible (not $200). In effect, you can get back a maximum of $175. Per eBay:
items that meet the above criteria will be covered for up to $200.00 (less $25.00 to cover processing costs).
* The maximum reimbursement for any claim is $175.
* For example:
* If the item price is $500, you are eligible to receive $175;
* If the item price is $100, you are eligible to receive $75;
* If the item price is $26, you are eligible to receive $1.
(2) I'd split the difference on the postage.
Robt.
